What is the 13F Pro Quality Score for BHB?

13F Pro ranks BAR HARBOR BANKSHARES (BHB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BHB's current score at https://13fpro.ai/research/BHB (free sign-up required for the full ranking).

Where does 13F Pro source BHB data?

All BAR HARBOR BANKSHARES fundamentals and ownership data come directly from SEC EDGAR. BAR HARBOR BANKSHARES files with the SEC under CIK 743367. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BHB in?

BAR HARBOR BANKSHARES (BHB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is BHB research updated on 13F Pro?

BHB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

BAR HARBOR BANKSHARES(BHB)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

BHB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for BAR HARBOR BANKSHARES (BHB), a Financials sector company. BHB is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), BAR HARBOR BANKSHARES reports quarterly revenue of $47.3M, net income of $13.5M, an operating margin of 36.3%. Top institutional holders of BHB by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. BHB trades on the NYSE exchange and files with the SEC under CIK 743367. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BHB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for BAR HARBOR BANKSHARES directly from SEC EDGAR. BAR HARBOR BANKSHARES's 13F Pro composite quality score has ranged between 46 and 66 since 2021, currently 66.2 — an improving long-term trajectory across 16 quarterly and live scoring snapshots.

Revenue

Q1 2026

$47.3M

Net Income

Q1 2026

$13.5M

Free Cash Flow

Q1 2026

$3.0M

Operating Margin

Q1 2026

36.3%

ROIC

Q1 2026

2.5%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

—FY 2025

FY22 $29.4MFY23 —FY24 —FY25 —

Net Income

-15.2% YoY

$36.9MFY 2025

FY22 $43.6MFY23 $44.9MFY24 $43.5MFY25 $36.9M

EPS (Diluted)

-18.7% YoY

$2.31FY 2025

FY22 $2.88FY23 $2.95FY24 $2.84FY25 $2.31

Total Assets

+14.7% YoY

$4.68BFY 2025

FY22 $3.91BFY23 $3.97BFY24 $4.08BFY25 $4.68B

Total Debt

-7.2% YoY

$269.6MFY 2025

FY22 $394.2MFY23 $331.5MFY24 $290.6MFY25 $269.6M

Op. Cash Flow

-7.8% YoY

$48.3MFY 2025

FY22 $55.9MFY23 $47.4MFY24 $52.4MFY25 $48.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	—	—	—	$29.4M +3.4%	$28.4M +14.9%	$24.7M
Net Income	$36.9M -15.2%	$43.5M -2.9%	$44.9M +3.0%	$43.6M +10.8%	$39.3M +18.2%	$33.2M
EPS (Diluted)	$2.31 -18.7%	$2.84 -3.7%	$2.95 +2.4%	$2.88 +10.3%	$2.61 +19.7%	$2.18
Total Assets	$4.68B +14.7%	$4.08B +2.8%	$3.97B +1.6%	$3.91B +5.4%	$3.71B -0.4%	$3.72B
Total Debt	$269.6M -7.2%	$290.6M -12.3%	$331.5M -15.9%	$394.2M +120.8%	$178.5M -46.9%	$336.0M
Operating Cash Flow	$48.3M -7.8%	$52.4M +10.5%	$47.4M -15.2%	$55.9M -5.5%	$59.2M +186.1%	$20.7M

AI Insight: BHB Financial Trends

Net income recovered to $14M in Q1 2026 after dipping to $6M in Q2 2025, while debt declined from $390M to $216M over two years.

• Net income improved from $6M in Q2 2025 to $14M in Q1 2026, reaching highest level since data available.

• Total debt decreased from $390M in Q2 2024 to $216M in Q1 2026, a 45% reduction.

• Equity steadily grew from $439M in Q2 2024 to $538M in Q1 2026.

⚠ Operating cash flow volatile, dropping from $17M in Q4 2025 to $5M in Q1 2026.

⚠ Net income remains choppy quarter-to-quarter despite recent improvement, ranging $6M-$14M over past year.

AI Insight: BHB Ratio Trends

Bar Harbor's ROE climbed from 5.2% in Q2 2025 to 10.1% in Q1 2026, suggesting earnings momentum after a mid-2025 trough.

• ROE recovered from 5.2% in Q2 2025 to 10.1% in Q1 2026, marking four consecutive quarters of improvement.

• ROIC surged from 3.9% in Q2 2025 to 9.1% in Q1 2026, indicating strengthening capital efficiency.

• Debt-to-equity ratio improved from 0.89 in Q2 2024 to 0.40 in Q1 2026, reflecting deleveraging.

⚠ TTM ROE of 7.5% remains below Q1 2026's 10.1%, suggesting recent quarter strength may not reflect full-year performance.

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Available Research

13F Pro tracks comprehensive data for BAR HARBOR BANKSHARES including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BHB

BlackRock, Inc.
$45.2M1,393,265 sh
DIMENSIONAL FUND ADVISORS LP
$28.9M892,121 sh
VANGUARD CAPITAL MANAGEMENT LLC
$23.9M735,909 sh
Boston Partners
$13.7M421,783 sh
GEODE CAPITAL MANAGEMENT, LLC
$13.4M414,270 sh
BAR HARBOR WEALTH MANAGEMENT
$13.0M400,931 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$12.2M374,639 sh
STATE STREET CORP
$12.0M369,880 sh
TWO SIGMA INVESTMENTS, LP
$8.2M252,514 sh
AMERICAN CENTURY COMPANIES INC
$8.1M248,276 sh

Fund	Value	Shares
BlackRock, Inc.	$45.2M	1,393,265
DIMENSIONAL FUND ADVISORS LP	$28.9M	892,121
VANGUARD CAPITAL MANAGEMENT LLC	$23.9M	735,909
Boston Partners	$13.7M	421,783
GEODE CAPITAL MANAGEMENT, LLC	$13.4M	414,270
BAR HARBOR WEALTH MANAGEMENT	$13.0M	400,931
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$12.2M	374,639
STATE STREET CORP	$12.0M	369,880
TWO SIGMA INVESTMENTS, LP	$8.2M	252,514
AMERICAN CENTURY COMPANIES INC	$8.1M	248,276

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Is BHB a good stock to buy?

13F Pro's AI-powered analysis of BAR HARBOR BANKSHARES (BHB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BHB are available on the BHB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own BHB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BHB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of BAR HARBOR BANKSHARES's investment landscape.